Low Rate Credit Card

Low Rate Credit Card

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CommBank · MASTERCARD

The Low Rate Credit Card is a credit card from CommBank on the MASTERCARD network. It has an annual fee of A$72.

Verified 12 Sept 2026

Key facts

Annual fee
A$72
Purchase APR
10.99% to 15.99% p.a.
Foreign transaction fee
3.5%
Network
MASTERCARD

Benefits and perks

  • Pay less interest with our Low Rate credit card. A personalised interest rate on purchases offered on approval, from within our range of low rates, currently, 10.99% p.a. to 15.99% p.a.
  • Personalised interest rates will be reviewed periodically and may change upon review
  • Up to 55 days interest free on purchases
  • Minimum credit limit $500
  • Cashback benefits for eligible cardholders through CommBank Yello Cashback Offers in the CommBank app
  • Monthly fee: $6 per month
  • Complimentary access to book flights and hotels for eligible customers via Travel Booking (Provided by Hopper). Search for Travel Booking accessible via the CommBank app (search Travel Booking in the search bar)
  • Priceless.com offers and experiences
  • Complimentary Purchase Security and Extended Warranty insurance provided by Cover-More
  • With SurePay instalment plans you can pay off all or part of your credit card balance of $600 or more within a set time with a Balance/Cash Advance Plan or take advantage of a Purchase Plan (a set-up fee applies) with 0% interest on purchases made in the last 14 days.

Questions about the Low Rate Credit Card

What is the annual fee on the Low Rate Credit Card?

The Low Rate Credit Card has an annual fee of A$72.

Is the Low Rate Credit Card worth it?

The Low Rate Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.

Community

Approval and real earn reports from cardholders are coming to this page soon.

Not sure this is the right card for you?

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